Equifax Reviews

I had paid off some items that had appeared on a credit report received a few months ago. I wanted to make sure that the payments were reflected on my credit report. I contacted Equifax online and began filling out the required windows, in order to get my report. I was annoyed because they were advertising the fact that you could get a free credit report. This was absolutely false. The way that it is set up, in order to receive a credit report, one of their products has to be purchased. You are told that you have 30 days in which you can opt out, but there is no one to call to opt out.

For the past 3 years, I have really been diligent with paying my bills on time in an effort to bring my credit score up. Since I have "Scorewatch" to monitor my credit, I noticed that there was an account from SNET that was in collection from 2004 in the amount of $14. I went back through my records and found that it was paid so I went ahead and disputed it. When I did so, EQUIFAX reported it as a paid charge-off as of the month of the dispute, which was August of 2008. This in turn caused my credit score to drop 23 points immediately. I was able to get a hold of the creditor who was now AT&T (after the acquisition of SNET) and found out that it was considered a charge-off because I still owed FIVE CENTS on the account. I paid the five cents. They then faxed me a letter stating that this account was PAID IN FULL as of March 3, 2005.

Equifax makes it so difficult to obtain a free credit report. I was denied credit and by law should be able to obtain a report. After spending a half hour on their site, I finally figured out how to request the report. Then the system says it can't process it online and that I have to call. When I call and listened to 5-10 minutes of options, I never heard one for my situation.

I attempted to get my free credit report from Equifax as per the FACT Act using the web site annualcreditreport.com. Once on the Equifax site it asks me to log in with a password and username. To get a password and username you have to pay $7.95. There are no ways around this that can be seen by a reasonable person. The customer service numbers they offer do not give a reasonable solution as I called multiple times without getting any further solving my issue. My issue? I'm not paying $7.95 for my free report.

I purchased a $14.95 credit report from Equifax online consumer credit reporting agency. To my regret, the company has been playing in my account 20 times without my permission withdrawing $14.95 then refunding it right back. I have spoke to several supervisors, Jill **, Rachel, Dominic and Mike. I have also spoke with several CSRs concerning this matter. Each time I have been told that my information has been deleted from their records and I will no longer see any transactions to my account. Each time within 48 hours there are two to three more withdrawals along with two to three refunds. The point, like I have tried to explain, is not that my account is being withdrawn upon and not refunded because they are putting it right back. The problem is that they will not stop.

Tried to get my free credit report with FICO score ($7.95) from Equifax online. I paid and was shown a page with links to my credit report and FICO score...Neither of the links work and their online system will not let me in to see my info. Emails to them go unanswered and phone calls take me to an automated system that never gets answered. This company is a scam!!

Equifax attached several false reports to my file. I disputed those reports and after 30 days, they sent an email stating that I could view the results on a website they provided. When I attempted to view the site, I was denied access. I was informed I could go to another website or call but there is no option for accessing dispute results. Further, there is no provision to talk to a person on the telephone answering system maze.

Trying to get a free annual credit report but have no way to access it once it is run. The View/Print report button takes me to a logon screen, but I have no logon and there is not any kind of new registration link available anywhere without buying a product from them. This is not supposed to be the way it works. By law, I am entitled to a free report. I've spent 2 hours searching around the website, trying to call the 800#s (it's all automated on 3 different numbers). As a billable contractor, that's $300 in damages.

I order my credit score from the company and paid for it. I then pressed the link to retrieve it, and was told that I could not have access to the info because they did not recognize me. I called the customer service number to ask for a refund. I waited 40 minutes just deal with the situation. I told the representative that I wanted my money back. They said that unless the purchase was an accident, I would not receive my money back. I said that I had not accessed the account and wanted my money back. They said it's company policy to not refund money on one time internet purchases. I ask to talk to a manager. They said all their managers were in a company meeting. I told them I would file a police report. They passed me to someone else in the department who said the same thing. They are thieves.

I applied for and was denied a federal "parent plus" loan for my son's educational expenses based on an unknown item contained in my Equifax report. Equifax denied my request, I am told and that's all I know about the reason why. To address the issue I was directed to get a copy of the report by the fed. loan origination center, but I was locked out from my "free" online annual report by Equifax for another unknown reason. I sat for over an hour on the phone waiting for their next available operator. I have NO reason to believe they will respond if I send their form by mail and certainly will be out of time.

Have problem with Equifax report. Wrong information. Name was changed to my brother's and his information added to my report. Tried to obtain free report but got the royal run around both on line, and no one will answer phone at Equifax. Should be one less credit reporting company. My opinion only.

I placed a request to have something removed from my credit report. They contacted me via email with a conformation code and sent me a link to a form where I was to use this code along with other info; street number,last name, last four digits s.s. #, numbers from my street address. I filled out the form and it told me there was no information. I have had other problems with thier website and I am at the end of my rope with this company. The other two companies I delt with concerning this issue were simple and I am satisfied with their service.

They list me as living in Graniteville South Carolina. I don't even know where that is. I have only lived in Greenville and Seneca, SC. I requested to know where they got this information and they said it was accurate. There has been no identity theft, they have made a mistake that they refuse to correct.

This is showing up on an Equifax Credit Report. Problem 1. This is not a law firm 2. it is reporting a medical expense that has been paid in full 3. my efforts to contact this number have resulted in getting an answering machine and they do not return the call 4. when I googled the address to get directions to see if it existed the number is listed to a residence in Atlanta and not the one above

After applying for cel phone service, and having been denied, without a security deposit, I later received a letter about where to retrieve my free credit report. So, I followed the procedure as requested by the letter from at&t, called Equifax, then went online, paid the fee, and was then told I cannot retrieve my report online. call 1-800, I did, and was told the same thing, go online and place your order. And three times later, here I am typing this report to find out what, why, and who did this. I just want to see who I need to, in order to view and try and clean up my report,as a full time student, money is scarce and hard to come by. After applying for private student loans and constantly being denied, I need to know why.

Earlier this year, my husband and I paid to place a security freeze on our credit reports at all 3 credit reporting agencies. When we requested our annual free copy of the reports by phone on the automated ordering system, Transunion and Experian complied without incident. Equifax wrote back saying we needed to supply our 10 digit PIN in writing and gave an address to which the information had to be sent. This we did.

I purchased the TrueCredit 3-in-1 report online recently.

I have been sending corrections to Equifax off and on for the last 6 years trying to have them correct issues that appear on my credit report. They are the only credit agency that I have to constantly fight with to get my information right on my credit report. They also are usually the one that scores me the worst every time. Even when it is public record or I send them in paperwork to prove that, my information is valid, they still never do it right the first or second time. It is always months before they get it right.

I have an error on my credit report and Equifax has made it literally impossible to contact them. I was unable to file a dispute on line because there is a 'freeze' on my credit report. They requested I send in numerous proof of my identity even though I provided all the information requested. Their email link DOES NOT WORK! The phone number provided was a constant busy! You have to be more than persistent to contact this agency.

I subscribe to Equifax-Gold, to help montior and protect my personal credit. On 8/15/08, Equifax made an entry into my credit file, indicating that CREDCO had made a credit inquiry to my account. Also on 8/15/08, Equifax reported to me via e-mail notification (as the result of my Equifax-Gold membership) that a credit inquiry had been made to my account. On 8/18/08, I telephoned CREDCO, and was able to verify that CREDCO had made no such inquiry to my credit record. CREDCO also indicated to me, during the course of my telephone call with them, that "Equifax had erroneously made false entries to numerous other consumer credit reports, and that they (CREDCO) had been receiving numerous calls from Equifax consumers."

I have tried several times to recieve a copy of my credit report only to be told that there has been too many inquirys on my record. The last time I actually received a report was on 3/27/2005. its imparative that I obtain this information

All 3 bureaus have mixed my creidt file with a similar name, I had the police involved based on a this issue, believing it to be a fraud issue. It's not. It's the stupidity of the 3 bureaus. I have rpeeatedly asked them to update my files, in wiritng, online and over the phone. NOTHING EVER GETS UPDATED, THEY FIX NOTHING. THEY CHANGE NOTHING!

I just wanted to pay a fee to get all three credit reports in one, not join a club.

I was contacted by NCO Credit Bureau back in April about an outstanding bill. The day they called me I paid it, only to find out 4 months later, they have NOT done anything with respect to my account, didn't post the amount paid, didn't send the deletion letter and only gave me run around that lasted for up to 2 hours each time I called them.

I searched all over website for a phone number or email account to be able to talk to a human being so that maybe I could get some help with this. It's like they force you to buy a product from them in order to get any help whatsoever. Even to have the privilige to talk to someone in person, otherwise everything is automated, and I wasted my cellphone money.

In April 2008 I disputed two erroneous accounts with Equifax. It is now August 2008 and these same two accounts are still reporting reinvestigation in progress status. I have sent numerous demands for deletion because they are way way past their 30 or even 45 day time limit to delete as mandated by FCRA. I want these accounts deleted immediately before I file suit

I own my own company, my wife is an RN we have always paid our bills on time. The was bad info from Equifax on my wife's credit report but we are taking care of that. The problem is my credit score. I use credit cards with low credit lines $300.00 to $700.00 dollars. Have never been late on any of them but my credit score just will not go up. I had some bad info on my report and an item that was mine but did not know there was an outstanding balance. took care of all of them sore still does not go up.

I own my own company, my wife is an RN we have always paid our bills on time.The was bad info from Equifax on my wife's credit report but we are taking care of that. The problem is my credit score. I use credit cards with low credit lines $300.00 to $700.00 dollars. Have never been late on any of them but my credit score just will not go up.I had some bad info on my report and an item that was mine but did not know there was an outstanding balance. took care of all of them sore still does not go up.

Tried to recive free credit report from exuafax and promped me to user name & password, no new user, no customer contact info or e-mail just autamated system that wants you to pay.

Equifax has been under reporting the credit limits on my revolving accounts. This has made my debt to credit ratio 20% higher than it should be and has artificially lowered my FICO score. I contacted Equifax customer service, in India, but they dont seem to be in any great hurry to correct the problem. Equifax is the most powerful yet the least acurate of the three reporting agencies.

It is now 20 + years later and Equifax has still not removed a lien notice against me when TRW and Trans Union have. Today my credit is lowered on a card from 36K to 2.5K becuase of a 20 year old lean that was paid off and after numerous attempts to correct Equifax still can not do it. Even Bankruptcy is cleared after 7. Get it together folks. Almost lost 35k in credit which is vital to my business.

Lousy outfit!

Tried twice calling Equifax to cancel the $100.00 charge on credit card. Both times I was put on hold for 30 minutes. Finally hung up. I suppose they think if they don't answer the telephone, they can keep charging my account. By the way, we never got anything for the money we did pay them. Lousy outfit!

I filled out a complaint form (on line) due to an inacurate credit report. It has been over 4 months and the status is still "pending". Transunion fixed the same problem in one day (on a weekend). There is no way to contact a person there unless you become a member and have access to customer service. the financial consequences of having a negative item on your credit report are boundless. I have recieved notice from geico that I could have recieved a better insurance rate if my credit report did not have this one incorrect blemish.

i have tried and tried to get them to remove credit that does not belong to me off my report and to get them to update it for me to no avail. do they not realize there are nearly 2200 michael f.'s in tn and im tired of being mixed up with people at the wrong address and im sick and tired of getting turned down for credit when i pay my bills

When I go to Free credit reports on web site, Equafax ask for $7.95 to divulge credit score or credit report. I can not access my account or credit score until I give them my credit card number which I will not do. Why do [they] say credit reports are free?

Could not get free online credit report online. Website asked for more info and required a mail in report.

I was a victim of identity theft in 04/08. I immediatleycontacted all of the 3 credit bureaus and placed a fraud alert andknowingly opted out of a security freeze, mainly due to the fact of allthe additional work. I then decided to obtain a credit monitoring poductfrom Equifax.

In 2006, I applied for a loan with my credit union and I was told to pay these two creditors in full before they allowed me to have the money. American Collection Enterprise provided me with letters that show PAID IN FULL. In 2007, I refinanced my home, again I was told the same two creditors had not been paid, I provided the letters to the under writer but I was told to contact the creditors and I paid them a second time although the letter said PAID IN FULL. In addition, I contacted the creditors and was told I do not owe them any money.

I tried to get the credit reports from all three agencies on line. I did not want additional services. Just mail my reports. The site took me to each agency individually and still all three denied me. I have letters of turned down credit. Then was told I could get a free report. There is no one person to talk to.

Applied for a FREE credit report and timed out on the site. Went back to apply again and would not let me.Today I tried and now have a lock out and told to print out the PDF and mail it in. This is ridiculous. Had no problems retrieving from Experian and Trans Union however the company applying for a same as cash account is using Equifax. Our credit is everything and this company is handling it in bad faith. Moving on to find someone to talk to about this situation.

On 7/10 I and my husband tried to open an account with Scotttrade online. I approved a hard check on my credit only through Scotttrade they informed me it would go through CSC credit services. I was asked to provide a monthly mortgage payment amount and a lenders (banks) name on my mortgage in order for them to completely process my credit check. I have never applied for any mortgage nor have I any records through the 3 major credit agencies on any such mortgages.

They make every attempt to avoid making any corrections to the credit reports. There is no one to speak to, dead end phone numbers, putting you off, do it online on a system that is archaic and fill of dead ends and errors and now they are trying to have me call some other company to 'take care of it'.

In July of 2007 I was denied credit due to Equifax's mistakes. They combined all of my brother's information under my name, including his name and address. It took me until October 2007 to clear this up. July of 2008 I was denied credit again due to the same problem. I have high credit scores 802 with TransUnion and 796 with Experian, but only 607 with Equifax. They did it again.

I called in to follow up with some disputes that were on my credit report. They talked me into signing up for the Credit Score Watch they told me I would only be charged $9.95 a month. Well they charged me $9.95 plus $119.00 plus $99.00. These charges sent my bank account spinning. I was never informed about the extra charges.

Here is a number for Equifax that works! 1-800-846- After days of frustrating deadends I found this number posted on this site and tried it, I actually got through to a live person and was able to resolve my problems. Thanks to the person that posted it!

Under Consumer Credit Act you can apply for your report at cost of 2 but Equifax cashed cheque and said they couldn't find it. When I paid 14.95 for my personal credit report I was offered a discount to 5.95 but Equifax still cashed 14.95 from my debit card. They had no difficulty finding my report then. If you go to their website and ask to see your Statutory Credit Report they link you to 14.95 page.

I was denied a job based on my credit, I could not match up whatever information (I'm guessing erroneous) to order my report for gratis. And because their bad information cannot be matched up on either the phone or the web I cannot get my report. All other agencies have been a breeze

I use TrueCredit for credit reports from (supposedly all three credit reports) Transunion, Experian and Equifax. My problem is not with the scoring or the amount owed (that is very little, $1800.00 with roughly $50,000.00 across all cards for credit) but with the way Equifax reports. I have a very good credit score. Transunion 782 Experian 783 Equifax 785 The problem is all accounts shown on my report (TrueCredit NO payment history is shown for Equifax!

I tried to order my free credit report but it will not let me create an account to view it. No customer service number in order to call. The only thing I get is a very lengthy uninfomative automated voice.

I was attempting to get my 3 credit reports. I guess I misunderstood the 3-in-1 concept because I (obviously mistakenly) assumed that meant I would only have to fill out my information once and then I would get the reports from the 3 agencies. Instead, after filling out all of my information, I was directed to each of the individual credit agencies where I had to AGAIN fill out all of my information.

In April when I lived elsewhere (for 11 yrs) and requested a free report from Equifax it said it would be 4 weeks. None received. I moved to the above address and called the toll free line and requested a report from all 3 bureaus. I received a request for my current license, utility bills , mail addressed to me etc from all 3 because I had just moved here. I sent this info to all 3 and this week received Transunion and Esperian but Equifax sent me a followup, even though I had sent all the info in response from their ltr, and said I had call the free request line. That would be 3 times complying with their request and so far no report. Should I contact the FTC?

My experience with EQUIFAX is a virtually CARBON COPY of that listed below from "Misty of Forney TX (06/17/08)". I also went online at AnnualCreditReport.com to obtain all 3 free credit reports due to being denied credit. I did this three times, one for EACH of the credit-rating bureaus, spacing my requests several months apart. The Experian site was trouble-free & let me view and print my Report quickly and without issues; TransUnion had some problems due to the fact that they had errors in my file which prevented me from answering the "challenge questions" successfully, but THEY provide a visible Customer Service # and after such a call, I received GOOD help on how proceed (they MAILED me my report in 10 days of so & sent me TWO letters on how to fully resolve the errors) with the report.

Equifax will not furnish my mandated Free Annual Credit report via annualcreditreport.com for three years, and does NOT respond to the written form mailed as per their request.

I had my credit report pulled and found that my SS# was incorrect on my credit report. I contacted Equifax by mail two times and still have not received a response. I provided Equifax with a copy of my Driver's License and Social Security Card. Still no response.

Equifax has been reporting my credit information unto my son's credit report which resulted in lowering his score etc. We are 2 different people with different names, different social security numbers, date of births and he lives over 1000 miles from me. This has violated my privacy to my own financial affairs and ruin his credit report in trying to get a student loan.

I received my annual credit reports from privacy matters 123. My score on Equifz is 83 points lower than TransUnion and experian. With TransUnion and experian, I compare as very good and only fair/good with Equifax. I have been tryng for 2 hours to contact someone at Equifax unsuccessfully to discuss this. Equifax has a Discover credit with a late payment and I have never owned a Discover card.

I went online to obtain a free credit report due to being denied credit. I went through 3 steps to obtain my free credit report. On step 3 of 3 it gives you a prompt to View and Print your Online File, however, when you click it, it takes you to the Member Login screen and ask you to login. Not one time during the 3 steps of obtaining my free credit report did it ever ask for me to set up a login account, so now it will not let you view your credit report. I searched all over website for a phone number or email account to be able to talk to a human being so that maybe I could get some help with this.

I was denied credit and under the law I can request a free a copy of my credit report. I submitted my request via Equifax.com. It prompted me to input information such as address and SS number after which the site stated I was available to receive my free report, however the site required you to log in to obtain the report. However, Equifax did not provide me with a password (Nor ever let me create a password).

CSC Credit has been manually manipulating my credit limits to purposely suppress my credit score making it impossible for me to obtain a mortgage. By dropping two of my credit card limits to 0, they effectively brought my credit card utilization to 110% from 70%. They've been manually changing numbers all during this month. Keep in mind that Equifax's biggest customers are the lenders and who gains by a consumer having a lower credit score - lenders. Someone needs to stop Equifax/CSC from manipulating credit files.

After sending two emails that never got answered in a period of four days, I called three times today to cancel my account. First rep put me through a ten security question wringer to confirm my identity, then told me that it would take a month to cancel, that there would be one more billing. I challenged this and the response was that I had reached the wrong department and would have to call another number in order to cancel my account. This was after 20 minutes of requesting cancellation!

After sending two emails that never got answered in a period of four days, I called three times today to cancel my account. First rep put me through a ten security question wringer to confirm my identity, then told me that it would take a month to cancel, that there would be one more billing. I challenged this and the response was that I had reached the wrong department and would have to call another number in order to cancel my account. This was after 20 minutes of requesting cancellation! Okay...I'm a sap...

Equifax has my credit score 150 points below the others and it is because they are not updating my file. I spoke to the card owners that I have and they say they send the info to equifax but I can't refinance my house.

Equifax is reporting my mortgage THREE times for ONE loan, which has my debt to income ratio insanely high; they are also reporting my car loans TWO times each, also skewing my debt to income. I have not heard back from them about why this is so totally wrong. Both of the other two reporting agencies have it correct and a score that reflects my actual debts.

Is there any way a class action lawsuit can be file against equifax, transunion, and experian. We should file a suit against these companies because they are not willing to help it. It is taking years to get our credit corrected. We need to take a stand. I will do anything to get my credit back on track can you help me? I have been stress out, I can sleep, and I 50 years old I drive 2hours to work and I can not even by a house or a car. This is not right. I have tried everything in my power to clear my credit.

Dear Sir/Madam: I have tried to obtain my credit report from Equifax by Internet on their Website and by phone but was unable to reach them. I even paid for a copy of my report June of 2007 when I lived in S.C. and I also tried today. When I worked at Washington Radiology someone stole my Birth Certificate from my wallet and I am trying to see who may have used my name to purchase something that has been reported to a Credit Collection Agency in Greenville SC. Please help me to get in touch with Equirax.

I noticed at the beginning of March that equifax began reporting a student loan eight times on my report. I had forgotten to make the first payment when my deferment period expired when I completed school. I made the payment after receviing a notice and have been on time every since. I realize this past due will be on my credit for seven years and this was three years ago. The problem is that I had a total of four loans that covered 2 semesters. Two subsidized and two unsubsidized.

Equifax is not responsive to my inquiries to disputes on my credit report; When compared to Experian and TransUnion, there is a difference of over 100 points in my rating. My credit union uses Equifax soley and as such has denied me on loan applications despite what the other 2 credit reporting agencies report.

When I told the Supervisor that I have spoke to the creditor and was advised they do not have my information and its a error on Equifax end. She told me they are lying and the only way they could get the information was from them. Also, I offered to do a 3-way call w/the creditor and them. She told me that she would disconnect the line. I thought they were suppose to help a person correct a errors on their account. I guess not. Oh and this is the craziest thing. On my file I have my first, middle and last name listed. Why did the supervisor ask me if I ever went by First and Last Name. I asked her was she dumb for asking me the question. I am not the only person this is happening too. Can we sue them ???

I attempted to get the free annual credit report from EQUIFAX. I was denied the report because I was unable to repsond to questions regarding a nonexistent mortage on my account! If in fact such a mortgage does exist then I really have a fradulant issue to deal with.

I have recently discovered a number of glaring errors in my credit report that is on file with Equifax. I checked them against the three agencies, and they were the only one out of three with the wrong data. For one, my name was mispelled, I do not have a middle iniital in my name. Even this one mistake can mix you up with someone else.

I have disputed an item on my credit several times in the past three years knowing that the company did not have any personal information or signed documents to validate that the debt was mine or if it was accurate. Equifax claims to have verified the debt simply by giving the creditor all of my personal information including my SSN, DOB, Previous Address, and Current Address without regard to my personal information and privacy. The creditor should have had to verify the information was correct prior to receiving just as the consumer does prior to gaining access to their report.

I used Annual Credit Report online to get my free report. I decided to do one at a time so I chose Equifax first. So I believe it redirects me to Equifax where I can get my report from them. Well when it printed it out some of the accounts where duplicates, triplets, or quadruplets. They had the same information, same amount, same open date, etc. They were correct but it just seemed odd that they were being listed more than once. And in the credit summary part it actually totaled to the duplicate or triplet amount (ex. I have one account for 5K. it reported that I had total 3 accounts and the balance was 15k). Just seemed odd.

I have had a Menards credit card for a couple of years with no problems.I have paid my bills on time, and most of the time retain a low balance. However because I remodle I do use the card. Again I have never had a problem being late, or not paying my bill. Suddenly I received a letter in the mail from Menards telling me that because of my equifax report, my credit is being reduced to 100.00 from 1500.00 with no explanation. I called the store and they would not give me any information, and to date have refused to send a copy of my credit report. I'am very upset because all my bills are paid, and I know there is no negative activity on my account that would constitute a large deduction in my credit, I have many cards of which I am paying off to increase my FICO score.

I paid for a online credit report and did not recieve it so I paid for another report and did not recieve it either. un able to dispute items in credit report. Un able to contact a real person.denied acces to my report. I was refused a loan due to information in a Equifax credit check that should have been removed years ago.

The company I own has done business with Equifax for over 15 years. Recently, our ability to access credit reports on potential customers (we loan money) was halted, without warning OR notification, because the company said we owed them money and was behind over 90 days. After digging and then sending the correct info. to Mr. Law, they admitted that we owed nothing. These people manage our credit bureau reports and associated payment history? They cannot even keep up with the small stuff!

The company I own has done business with Equifax for over 15 years. Recently, our ability to access credit reports on potential customers (we loan money) was halted, without warning OR notification, because the company said we owed them money and was behind over 90 days. After digging and then sending the correct info. to Mr. Law, they admitted that we owed nothing. These people manage our credit bureau reports and associated payment history? They cannot even keep up with the small stuff!

I was linked to Equifax by the federal trade commission website to get my free annual credit report. Equifax did not have a free report as an option! All they did was try to sell me their products. They would not give me the free annual credit report. When I tried to order it, i needed a user name and password and the only way to get a user name and password was to pay money!

I was one of these people who was worrying about become an identity thief victim. So I opened an account on Equifax to let someone to guard my credit cards and personal informations for me and get alert if some suspicious activity happens under my name or my credit cards. Anyway, I have been using my debit credit card more than 10 years and never had problem with it until last week(4/18/2008) I became a victim of identity thief right after I opened an account on Equifax. Someone stole my debit credit card information and used it at one of gas station in Florida took over 900 dollars from my checking account. Equifax didn't even alet me about all these suspicious activities on my debit credit card.

great big general complaint about immoral and what should be illegal in this country - why is it that when i was 18 years old with no job, no credit, and no responsibility equifax happily assisted credit providers in raping me ...and now i'm a grown man with a household income above $50,000/year and i can't finance a paperclip. this whole situation is totally out of control in this country - and its time we all organized against it, and not by writing letters to each other on the internet. as long as we stand for it we're going to keep getting it. its everything from bad information on our credit reports, to offers of credit with 26% interest rates, giving credit to unemployed children who will default then denying credit to responsible adults.....

I was on the internet and was looking to get a credit report. I was doing three things at once and clicked on the Bill Me Later link. I new right away that this was a free service and called Equifax to Cancel whatever I orderd. I then was told by the rep Victorya that it would be no problem and it was canceled. A month later recived a bill and it stated that I owed 14.99. I called Bill Me Later and and they said Equifax had to send them a cradit. So I called Equifax and they stated that the credit had been sent over. I Get another statement from Bill Me Later the following month. I called again and they stated no credit was sent.

Equifax continues to report the wrong information on my credit report despite the information they are given from the creditors. From two different companies the info is wrong and unless you have many hours in a day to deal with this they make it impossible to resolve it with them.

Denied Car rental in Pitts. because of Equifax. No one could tell me why. Buget gave me a card that says I was denied because of the credit report provide by Equifax.And they couldn't tell me why? So I got on line with Equifax and tried to get a report but.. they couldn't provide it agian.. so what can I do? the report will probally say nothing> Just as the last one report did, no bad mark .. I'm I powerless to battle this monster?

I wasnt allow to view my credit report

I had noticed that several credit card companies were sending me change of Terms notices informing me that they were going to increase my maximum interest rate due to changes in my credit score. I pulled all three reports and discovered that Equifax had rated my score 100 points less than the other two reporting agencies. A review of all three reports determined that they all had essentually the same information. i have a perfect payment record and excellent credit to income ratio. To get to actually talk to someone in customer service required that I purchase one of their products.

My credit score went from 795 to 548 in 8 months due. I called each of the creditors added to my report and found out it belonged to someone else. It wasn't identity theft. The creditors sent their data electronically, and it was Equifax who made the mistake. Now Equifax is telling me it will take 45 to clear it up. I have spent numerous hours finding the number to these creditors and trying to figure out what happened. I was in the process of making a huge investment and this now has delayed it because Equifax will not correct it sooner than 45 days.

Credit report contains 3 glaring errors (e.g., still uses my maiden name though I've been married 7 years). I requested an investigation. Equifax e-mailed me a 2nd notification of results (I never received the first), requiring me to log in to a particular site. I did so and repeatedly was denied access. The posted phone number did not provde access to assistance. I then called the phone number on my credit report. The agent said she couldn't help and told me to call another number. That number was no longer in service.

According to FCRA, I want to know what is in my file and what Equifax is providing regarding my credit.

In October of 2005 we built a new house in Wisconsin. Our son and his family live in the house for now. We had a construction loan with Bremmer bank and we were told that a national mortgage company would take over the mortage soon after the house was occupied. The house is located in the country on a county line road. The Tittle company says the house is one address and the USPS says it is another.

Annualcreditreport.com is supposed to provide a FREE credit report from all three credit companies. However, Equifax doesn't let you view your free report anymore. When you log on annualcredit report and choose to get your free Equifax report you are directed to a page that says you must log in. Now if it's your first time you need to register first right? Well they don't give you a place to register. The trick is, they say you must Purchase one of their products to become a member. What ever happened to you being directed to them through annualcreditreport.com? They make you buy one of their products to register to see your Free Report. Somebody please look into this and see for your self.

There is wrong information placed on my credit report by equifax . The accident happened in 2004 and police give the ticket and liability to other party. But Equifax does not investigate and placed the collection on my credit report. I have shown them so many times that the original police report in which it is clearly mentioned who is responsible for the accident and who has to pay. The other credit bureaus, Experian and Transunion have already removed the collection a year ago. But after requesting many times, Equifax has not done an investigation and has not doing anything to remove the $80 collection.

I was denied a credit card with Bank of America. When I tried to access my free credit report, I was given the runaround, and hung up on (7 times). I had to go through a big registration process, then told my password did not match my user name. I was never ask to create a password.

i am trying to get a home loan. Equifax will not remove a public record of chapter 13, wage earner plan in federal ct., in florida. This was filed in error and dismissed and they have been given a court certified copy of the dismissal. Experian and transunion have deleted this from my credit report but equifax absolutely will not, saying they could not use my court document. They have knocked my score down almost 100 points. To go further, they will only let FL residents use 100 words in their complaints while some other states allow their residents 200 words. This system is flawed and it has different rules for different people.

I was sent a link to free credit report.com. I answered this email, checked my credit report and was then signed up for a monthly service, unbeknown to me. I was traveling and did not check email or mail and when I returned home I was sent a bill telling me I was delinquent and charging me $68.95 for a free credit report!

They and (almost as bad) Bank of America were both involved in my problem: B of A tried to raise my APR, gave a reason of history of delinquency with your creditors. To my amazement, as this is not true. Info was furnished by Equifax. I decided to order my free annual credit report that supposedly comes from all 3 reporters, and Experian and Trans Union actually sent me the reports; our friend Equifax was looking forward to assisting me, but alas, the information [I] provided as proof of [my] identity does not match [my] information currently on file. Imagine that.

I have run my credit report and have disputed a few items on the report. They said it takes 30 days for a dispute to hit the report. However, if you pay a bill off shouldn't that show up right away? They put opened accounts on the report immediately. Why does it take so long to show an account being paid? I am trying to refinance my mortgage and I have paid off some credit cards, so then tell me why my score dropped? I did not open any new account. Why does Transunion and Experian show much higher scores for me and Equifax is 100 points less? This does not make sense. When I call and ask them, they just keep putting me off to say there is nothing they can do and that is just the way it is. This is the WORST reporting agency I have ever dealt with!

As every year, I downloaded my annual credit report from the 3 agencies. When I attempted to access my file online from Equifax, I got a message saying that internet delivery was not available. The site gave me 3 possible reasons, one of which was that there may have been a fraud alert entered on my file. That gave me a lot of concern, and I attempted to contact Equifax. But I had no luck - without a confirmation number I could not speak to anybody. All I could do was mail-in my request, which was a hassle, because I had to send copies of my social security card and utility bills. When the report arrived I could see nothing on it that would have caused a problem with my accessing the report on line - ie. there was no security freeze, fraud alert, etc. With a confirmation number now in hand, I called one of the representatives. He could offer no explanation for the problem. I asked him for the name of Equifax's regulator, so I could make a formal complaint. I was told that that information was confidential, and he could not disclose it! I said I wanted to complain about the standard of service from Equifax, and asked to whom I should direct my complaint. Nothing was forthcoming. Internal legal counsel? No success. I was given a toll-free number to call, in order to speak to web solutions department. Well, I have been on hold for 30 minutes, and even if I get through I am not hopeful that my issue will be resolved.

I am up for a new job that requires a credit check. However whenever I go to Equifax.com or freecreditreport.com or anywhere else, I cannot open their page; it gives me an error. The main problem is (note other people complaining about the page being down) it was the same last year when I tried to get my Equifax report. Exactly the same. (To the man from GA who was saying he had a release letter about the 1994 taxes that he couldn't get a mortgage--you can sue Equifax under the Fair credit Reporting act for a misreport on many things, but thats one of the key ones. I would contact Equifax and let them know you will be filing suit if they don't correct it. It helps to let them know your or an attorney's name to put a sting in your stinger.) THAT IS ILLEGAL. I will be doing the same if this affects my employment decision in any way.

I have called Equifax numerous times to find out why they won't give me an online copy of my FREE credit report. I keep getting a recorded message that explains NOTHING. The few times I have been able to talk to a human, they act like they don't know anything about it and connect me to the same INFORMATION recoding. I had no problem pulling reports from Transunion or Experian. Why with all the negative consumer complaints against this company are they still able to ruin peoples lives like this? I need this report to dispute items that are being falsely reported on my report. I do not have a fraud alert or anything thing else on this report. I need something done about this, Can anyone help, please?

I received my free credit report from Annualcreditreport.com, and got my credit score from Transunion and Experian, but not from Equifax. I then went to their site and signed up for what I thought was a free trial, only to find that I was being charged for $14.95 for the exact same thing I had just received for free. Getting my score apparently would be another $15. I then tried to contact them about getting a refund, twice by e-mail and once by phone, and never got a reply or a chance to speak with a person. I only got to hear the same recording at least 5 times, and I wasted most of my cell phone's minutes doing so. It may only be $14.95 to some people, but they seem to be doing this sort of thing far too often. I am also on disability, so $14.95 isn't something I can simply throw away.

I submitted a request for our free credit report. I received a reply stating that my information was incorrect and needed more information. They changed my name from John to Joan and changed an e to an a in my last name.On my wife's they changed some letters, also. In our street name they stated the address was incorrect. After reviewing my copy of the forms, I could not find any reason for these errors. They did however give me an opportunity to get my credit score for $7.95. It seems this is nothing more than an attempt to charge a fee for the report.

I disputed a lien that had been paid and released since 1995. CSC, an affiliate of Equifax, sent me notification that the lien was being deleted in November. I have been unable to get this off my credit file. I have made numerous attempts to talk to Equifax; they just keep giving me telephone number for CSC credit that has a prerecorded message and disconnects. I tried to get the direct telephone number from the phone book; all numbers given by information services are no longer in service This company is committing fraud by giving out data that is illegal. Is there any way I can assist in putting them out of business?

I saw their (Equifax) free credit report banner on Comcast.net's website, and decided to get my free report as required by law in my state (MD). That statement was a part of their advertisement banner. After filling out all of the personal (and required info) to include SSN#. The website informed me that it could not give me the report, and that I need to call a 1-800 to get it.

I have 1 collections history on my credit report, but it was a huge misunderstanding with the insurance company, and after several years of battling with them, the collections agency said it was cleared up and would be removed from my report. So, one day when I was checking my report through Equifax, I saw it was still showing. I submitted a dispute against this, entering a consumer statement. Little did I know that Equifax would take that statement and turn it into a fraud alert on my report. I have recently been denied service from the gas company, a cable company, and the power company when I moved to a new city, only because they see this alert on my file. I've been trying to contact Equifax for months now, and have never gotten the correct number. I JUST recently found a good CUSTOMER SERVICE NUMBER for Equifax.

There was no damage to me, but for customers who might purchase you should call first ask how long the product they are purchasing is good for.

I was contacted by Cold Stream, a mortgage brokerage company. I was informed that Equifax had sold them My Credit info and that they (Cold Stream) wished to get me a better rate on my mortgage.

This Equifax Co is one of the worst companies I have ever tried to deal with. Trying to get my free credit report has been a nightmare. I only clicked credit report. I did not ask for my score (which would have cost). It did ask for my visa number which I gave because it would let me proceed to get my free credit report, then it charged me $7.95. It is the principle of the thing that a company of this size can get away with this. How can I get my $7.95 back from Equifax? I'm an experienced online user and was very careful not to check anything that would cost money (like the score). Of course Equifax makes it virtually impossible to contact them.

Equifax makes it impossible to contact them by phone for general customer service questions. Are they not supposed to make it reasonably easy to get in touch with them?

I called Equifax requesting information about their report. I spoke with a person named Hazel a received no helpful information. I asked to speak with her supervisor and was connected to Cherlene. She provided no helpful information regarding persons who collected the information and who they obtained it from. I asked for information regarding the persons I could talk with at the court house. The statesments that she made regarding a person from Equifax went to the court house on 12/13/07 to collect the information. I asked for a title of the person, I did not need a name, and was met with no helpful information.

I can't get through to Equifax to make disputes on my credit report. I can't get a loan becuase of wrong and out-dated material on my credit report. I have disputed online and have gotten absolutely no reply. This should be illegal. How they are ruining people's lives!

I called Equifax in the beginning of September to obtain a free copy of my credit reports from the three agencies as permitted by law. Both Transunion and Esperian sent me mine with the information requested. I received my report from Transunion and Esperian immediately. Equifax sent me back a letter refusing, saying the information they have on file does not match what I submitted and that I was supposed to send proof such as W2 forms, Drivers license, and a bill that was mailed to my address, to prove I live here. (How did I receive their denial if I didn't live here?), proof of last two pay stubs, etc. I wrote back explaining that I had a copy of 2003 report by them with that information on it and enclosed a copy that I am 83 years old have been on their files since the 1940's, do not work, go out or drive, and that I wanted a copy of my report to see what was changed on it and by whom. They had correct information in 2003 why not now?

Got my free annual report online with no difficulty. But when I wanted to dispute some incorrect information, the number published on the website, (EQUIFAX.com), for just that, was NO LONGER IN SERVICE! Tried to initiate an investigation online, submitted all my info, and got a message that their system could not process my request at this time, please call the toll-free number listed on your credit report. Of course this was the disconnected number! Have been unable to contact any life-form at EQUIFAX whatsoever. Doesn't give me a warm fuzzy feeling knowing the sensitive information they are safeguarding. I can only hope that data thieves are having the same lack of success gaining access to them.

I tried to get my free annual report from annualreport.com - and got Transunion and Experian no problem at all. When I went to get my Equifax report, it said "At this time we are unable to deliver your credit file online. You may call us to request your credit file be sent to you by contacting us at 1-800-685-1111." I called the automated number and somehow I was able to talk to a human...in INDIA...who had access to my credit file. (Does this bother anyone else that a company in India has the credit files of every US citizen?) Anyway, she was unable to get my credit report to show up on line but said she could sell me one discounted for $10. I said "No, it's supposed to be free. When she repeated that she couldn't see any reason why it shouldn't show up, I asked to speak with a supervisor. She said, "He'll tell you the same thing, sir." I said "Okay, can I speak to one anyway?" She said "Okay," then hung up on me. This company scares me.

They do not pick up the phone. I've been on hold for over an hour. I thought they have already gotten in trouble over this?

I purchased product to get credit report from Equifax, but when I log on all I get is a lot of ads wanting me to buy more junk. Their ad says it is easy to get your report. I tried for two hours, lost valuable time, and never was able to bypass the ads to get to the product I ordered.

I went to https://www.annualcreditreport.com and had no trouble getting my experian and transunion credit report. However, at the Equifax site you are required to login, however, you can only login if you purchase one of their credit reports. I am very computer literate and their website made it impossible to get the free Equifax credit report I was promised.

I was denied credit for an auto loan and when I was shown my Equifax report that state: insufficient credit history and high fraud risk. The report also did not show a credit score. I kept a copy of it and later purchased my credit score and received my reports from the three bureaus. Equifax had wrong and out-dated information and no credit score. In reality I have 8 to 10 instances of credit including 2 mortgages, 2 auto loans and a number of revolving accounts all paid in full with not a single payment over a day late. I am completely out of debt and should have a very good score.

Equifax billed me $100.00 for a credit report I never requested and provides no customer service number or contact to dispute the charge.

I have tried to access my free Equifax credit report since 2006 without success. Equifax's website only refers me back to purchases, and now with the new Freeze Law it tells me my account is frozen. I have not frozen my account! I am not willing to supply my pay stubs, SS card, driver's license along with utility bills to a company to get my credit history. I have no idea who is handling this info and do not feel comfortable. Equifax is a ripoff and unfortunately the most used credit reporting agency! Equifax is abusing and taking advantage of consumers for a profit!

I have contacted Equifax on several occasions. I have been denied credit so requested a free report. The only response from Equifax are forms indicating to send them the required personal information before they can release a reportt. I have mailed the information twice. I need my report.

My husband and I were trying to get our annual free credit reports through annualcreditreport.com. Experian and Transunion reports were no problem, but Equifax reported You have no Consumer Statement on file for both of us. They had our addresses, but other identification was none, and employment was none or way out of date. It said file blocked for promotional purposes. Businesses should NOT use Equifax for any decisions because this co. obviously has incomplete and inaccurate information in their database.

Equifax is charging my credit card $12.95 each month for a memebership I did not order and do not want.

Thinking that I was ordering my credit score, I inadvertently ordered a 12 month monitoring system which is totally worthless. When I discovered my error, I IMMEDIATELY called their toll free number to inform them that I needed a refund and to order the score instead of the 12 month subscription to credit monitoring, and they refused. I still had to purchase both. Also, on their site, it is VERY difficult to find the credit score product, and when you do click on it, they have already highlighted a 47 dollar option and another more expensive option. I feel they are unethical.

Equifax has charged me 7.95 a month for 8 months for something I didnt sign up for. I have tried to talk to them but all has failed. they will not even listen to my problem. I sat on hold for 1hour and 46 minutes today to talk to somebody.Then they hung up on me when it picked up.

Still reporting a Federal Tax lien after the lien was released in 1988, the same lien was again released in 1994 and again in 2004 - EQUIFAX reported the tax lien as being released in their report dated 6-7-06 but again reported the lien as of 3-2-07 all in the face of my protests, letters with copies of lien release from I.R.S., Senator John McCain, Maricopa County Recorder's Office & I.R.S. Problem Resolution Office.

I was denied for a car loan by my credit union because they said I had four mortgages. I have one mortgage. I tried to get a free copy of my Equifax report. It stated I had received a mortgage in 2003 and asked what bank. I did not get a mortgage in 2003 so I couldn’t answer the question. I printed the form and sent a copy of my W2 for identification and a copy of my driver’s license to verify my address.

I saw a lot of negative postings about Equifax due to consumers being unable to obtain a customer service phone number to speak with a live person, which discouraged me because I also needed the number. So, after about 20 minutes of searching online I came up with 800-846-5279 and it works! It starts as an automated voice giving information about starting an investigation into your credit file, but then takes you to a live person who was extremely helpful. Hopefully this post can make it to the website to help the others out.

I recently was denied a lease through Ford Motor Company because of some repo on my Equifax credit report. I have only owned 2 vehicles in my name. Paid 1 off back in 1995 and the other in 2004 in a trade while purchasing a new vehicle through Ford.

I tried to get my free credit report from Equifax. After inputting my information and clicking on my report, the site asked for my login information. The free credit report process never asked me any questions to setup a login ID and password, when I did the automated request for my login information, it wasn't found. However, the only way to create an account is if you buy one of Equifax's products. I then tried to get a contact number but the site only gives you a contact number if you login, which requires you to buy something.

Requested to permanently remove a security freeze of my credit report to Equifax on 04/21/06 and Experian on 03/20/06,then they sent me the confirmations it was done, but until now my files still blocked. The Lenders could not pull out to review my credit report.

I have been trying to get my free credit report from Equifax. My attempts online are met with requests that I fill out a form and mail it in along with proof of SSN and address. I have done this twice and I only receive back the same form letter. I then submitted a complaint at annualcreditreport.com and weeks later I received the same form letter from Equifax. I have tried calling, but people apparently do not exist at Equifax. The letter tries to imply that I have no credit report, but I just received copies from the other two bureaus and there was at least one mistake listed that would hurt my credit score. I am starting to look to buy a home, but I am terrified of trying to get a loan before I know what Equifax has on file for me.

I have requested several times that Equifax update my credit report which shows a past due account from 2005--from Progressive Insurance. I contacted Progressive and they sent me and Equifax a letter stating the account was paid in full on 2/04/05 and should not appear as delinquent. Because of Equifax my credit stinks!!

Equifax has been reporting erroneous collection information (1 account for about $80) for over 2 years. They have failed to respond to my inquiries regarding who the creditor/collector is (it is not listed on their report, which I had to pay for just to see in full). They have also ignored my disputes filed on their web site. Their report of my score is adversely impacting my cost of credit and I don't know who to go to in order to get this issue resolved. Please help.

I have been receiving unsolicited mail originating from Equifax to companies such as College Loan Corporation even though I have put myself on the Direct Marketing Do Not Mail list. The first time I received unsolicited mail from College Loan Corp. in September 2006, I called Equifax's 1-888-5OPTOUT phone number and subsequently mailed in their request to take me off all Direct Marketing lists. It is now late January 2007, and I am STILL receiving unsolicited mail from College Loan Corp. originating from information provided by Equifax.

I am trying to improve my credit and have obtained Experian and Trans Union reports online without problems, but when I am asked to verify my information, Equifax asks me to verify a MORTGAGE that I do NOT have. It does not exist or is incorrect or someone has used my info to get one. I can not see that info as Equifax will not let me in as they think I am not me as they have a Mortgage on my credit report. There is no Phone Number and I am extremely frustrated. I have been denied credit at a local bicycle shop and I am afraid to try to purchase a car as I don't know what is contained on their information.

I requested a security freeze be put on my account on May 20, 2006. I have been unable to remove the security freeze and as a result I cannot obtain a credit card for my work. I could not buy a washer and dryer when mine broke.

I was denied credit, because equifax continued negative credit reporting. I asked equifax to review my credit status. I have maintained an outstanding credit history for nine years and have perfect credit score. Esperian and other credit reporting agencies have removed and deleted all bankruptscy listings on my credit. I informed equifax, this was due to a divorce and a ex-spouse. I submitted a request to equifax, to please remove this from my credit file.

Several months ago I had sent in my request for Equifax to freeze my account. They responded back via letter stating that they could not freeze my account since I did not send them a payment. This was incorrect because I sent them a check along with all necessary information. I figured what the heck. Don't really need my accoun frozen. I was just being cautious. Well, today I found out that they had put a freeze on my account without ever notifying me or providing me the pin number to unfreeze my account. Only found out when I tried to apply for credit. To make things worse, you can't even contact them. They provide no phone number to contact them. All other numbers are recordings only. How can such a company have so much power over us and can't be contacted. What is the government doing about this. I am so upset that this is allowed to happen. I will contact my congressman/senator today and the state attorney to file complaints.

In my recent attempts to finance a home I have found that my credit score from Equifax is approximately 125 points lower than the other two reporting agencies. Logically this indicates a discrepency or dare I say mistake by Equifax. I subsequently went to their web site and searched for a phone number to call to ask questions and was unsuccessful. It would seem that the only way to gain access is to give them money for a credit report so that I can then do all the leg work to fix their mistake. This means that I give them money so that I can then do their job for them at no cost.

equifax kept charging me 9.99 monthly and i had to get my debit card number changed to stop them from withdrawing money.the 1 time i got through to contest info on my report the lady i spoke to was nasty as hell.. i still can not get a credit rating number from them...they have addresses and job descriptions on file that have nothing to do with me . i have sent numerous emails to them and called several times and can get no one on the phone but recordings.

I have few collection items, which were inherited to me because of my previous bad marriage. Since these were the joint accounts and I was the primary accounts, I had to pay all these accounts in full. By law these items and the accounts as well should be deleted from my credit report after seven years. This seven year period depends how these credit beaurue companies count this time. It should have a start date and after seven years there should be a end date.

On 8/11/2005 I checked my credit report with Equifax and there was nothing on it. By nothing I mean NO THING! Of all 3 agencies Equifax was reporting the lowest score by over 100 pts. However, I got busy disputing an item that wasn't mine on my Transunion credit report that I just forgot about it. However, now I am trying to refinance my home and Equifax has the very item I disputed with Transunion last year on my credit report! I need to refinance now but they want me to write to them and request a copy of my report and then wait for my report before I can write to them again to dispute the item. They won't let me dispute the item online by using the credit report I paid for that my mortgage lender is using to set my rate. Apparently I have to have my own confirmation number.

According to FICO Equifax has a Verizon Wireless account open under my name, that belonged to my ex husband, and was charged-off in a bankruptcy of mine in 2004. This mistake has been lowering my credit score significantly! I am trying to buy a house for my family, and because Equifax cannot seem to fix THEIR mistake I am having a hard time getting a loan now. My score has dropped 31 points in one month! When I talk to Equifax (which was 4 times on 6/5/06) they blame the mistake on FICO, FICO says it isn't possible because all they do is pull there information directly from Equifax.

I have tried on numerous ocassions to get credit reports for my self and my husband online and was advised i am unable to get my report online that i would get it in the mail and still have not received it but when i try to call they said i received my free credit report for the year. Same situation with my husband.

Last month, I received a letter from my mortgage company that customer information in their possession was lost and my personal information could be compromised. They recommended that I put a fraud alert on my credit accounts. I tried to put a 90 day credit alert on my account (which I had successfully done online last year) using the phone number on the Equifax website and I was denied three times. I called the Customer Service number at (1-866-640-2273) and, after waiting on hold for 30 minutes, spoke to Curtis (x31592). I told him I wanted the credit alert on my account. I gave him the information requested (SSN, Address, etc.) as well as telling him I was very disappointed with Equirax Customer Service.

I have been trying to get equifax to remove a security freeze that is on my information. I requested the freeze 10 years ago. I have not had any problems until about 8 months ago when I started getting turned down for simple credit requests. So I called to cancel the freeze and the machines I talked to were not cooperative. I then wrote them. They wrote me back a form letter telling me that I needed to give them the 10-digit code that they supposedly furnished to me 10 years earlier. I’ve since written them explaining that I have no code and to, by all means, cancel the freeze. I’ve just received from them the same form letter with the same request of the all powerful 10 digit code.

I was denied credit because equifax was not listing any current accounts but only the old negative ones. I tried accessing their website to dispute but it was not working. I finally did dispute and was told it was corrected. I was recently deinied credit again because they did NOT remove the tiems they indicated would be removed.

I did dispute an address on my credit report. They stated on 2 letters now that it has been deleted, but it is still listed. I also requested an investigation as to why this was on my report, they inturn did not furnish me with this information.

I have been locked out of my account, and, can no longer access it thru the internet. They sent me an email stating that someone has been trying to get into my account, and if it was me, then call the number. I called the number, only you never speak to a live representative... I've tried for two days now, and have spent well over 3 hours on the phone waiting. I never get a response from sending email either.

I filed bankruptcy, it was discharged 10/2003. Equifax refused to show it on my credit report, they said get an attorney. Hello? i can not afford it and they are causing me grief. I'm trying to get back on track and every time I turn around they are there sticking it to me.